I just started an independent P&C agency in California. I plan on keeping it pretty small for the first few years and work from home. I am doing mostly P&C but I am life licensed and I have my variable contracts lic (series 6&63). I was so excited to get selling on the P&C side that I really havent done any research about the life. Again, main focus is P&C but I do bring life up to every client I meet and on average write 1-3 life policies a month (thats what I was doing as a captive).
Some of my questions are: do I need a separate E&O policy for life? Do you get direct appointments for life companies or are there wholesalers like in on the P&C side? For someone only writing 24 policies a year what would you recommend? I just started looking into this, if you guys can point me in the right direction that would be great.
Thanks,
Some of my questions are: do I need a separate E&O policy for life? Do you get direct appointments for life companies or are there wholesalers like in on the P&C side? For someone only writing 24 policies a year what would you recommend? I just started looking into this, if you guys can point me in the right direction that would be great.
Thanks,